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Independent Bank Corp.
INDBFinancial ServicesNASDAQUS
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | $1.17B | 17.6% | $205.42M | $239.27M | N/A |
| 2027 | $992.10M | 17.6% | $174.61M | $203.38M | $184.89M |
| 2028 | $843.28M | 17.6% | $148.42M | $172.87M | $142.87M |
| 2029 | $716.79M | 17.6% | $126.15M | $146.94M | $110.40M |
| 2030 | $609.27M | 17.6% | $107.23M | $124.90M | $85.31M |
| 2031 | $517.88M | 17.6% | $91.15M | $106.17M | $65.92M |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | $4.45 | 2025-12-31 |
| EPS growth | -1.5% | Forecast years: 5 |
| Future EPS | $4.126 | EPS × (1 + G)^5 |
| Base P/E | 17.6 | P/E |
| Future price | $72.62 | Future EPS × P/E |
| Fair value today | $45.091 | PV @ 10.0% |
| 30% safety price | $31.564 | Margin of safety |
| 50% safety price | $22.546 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | $19.157 | $22.553 | $27.185 |
| 10.0% | $15.628 | $18.132 | $21.407 |
| 11.0% | $12.828 | $14.735 | $17.15 |